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Letter portraitLegal landscapeQuarterYTD

First Farmers National Bank of Waurika, The

Waurika, OK · Cert 4222

National charter · OCC · 1 branch

Q2 2026

$55.5MAssets
$17.9MLoans
$47.1MDeposits
$8.3MEquity
Loan mix
60%RE $3.7M12%C&I $0.8M28%Consumer $1.7MQ3 2024Q2 2026
Deposit mix
79%Interest-bearing $37.2M21%Noninterest $9.9MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.27%, up 25 bps year over year; NIM at 3.03%.
  • Asset quality: problem loans at 0.00% of loans (-4 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 19.31%, up 15 bps from a year ago.
  • Funding: loans stand at 38.01% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.27%+25 bps YoY

Net Interest Margin (quarter, annualized)

3.03%+21 bps YoY

Efficiency Ratio (quarter, annualized)

50.54%-809 bps YoY

Tier 1 Leverage Ratio

19.31%+15 bps YoY

NIM

4.37%Q2 ’244.41%Q2 ’254.40%Q2 ’26+7%+7%

Non-interest income vs. expense

1.67%Q2 ’241.70%Q2 ’251.55%Q2 ’26+4%-7%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.00%0.38%1.11%1.02%0.99%0.37%1.27%1.27%+25 bps
Return on Equity7.15%2.79%8.62%7.41%6.85%2.54%8.70%8.55%+115 bps
Net Interest Margin2.79%2.94%3.03%2.82%2.85%2.97%3.24%3.03%+21 bps
Efficiency Ratio59.41%85.26%57.63%58.63%60.14%85.33%53.78%50.54%-809 bps
Non-Interest Burden1.62%2.49%1.71%1.62%1.68%2.52%1.71%1.51%-11 bps
Growth
Asset Growth (YoY)2.69%4.56%5.08%1.97%4.10%1.49%5.33%5.07%+310 bps
Loan Growth (YoY)-19.93%-10.05%7.33%15.77%27.65%16.94%-7.47%9.27%-650 bps
Deposit Growth (YoY)-1.23%5.60%2.06%0.99%4.07%-1.08%6.72%3.87%+287 bps
Asset Quality
Nonperforming Loans / Loans0.20%0.08%0.05%0.04%0.04%0.00%0.00%0.00%-4 bps
Net Charge-Offs / Loans-0.27%0.10%0.00%-0.20%0.00%-0.12%0.02%0.00%+20 bps
Allowance / Loans7.77%5.17%4.35%6.33%6.11%4.49%4.76%5.83%-50 bps
Allowance Coverage of NPLs39.8x68.6x93.5x148.1x172.8xn/an/an/an/a
Capital
Tier 1 Leverage Ratio19.45%18.74%18.67%19.16%19.56%19.42%19.16%19.31%+15 bps
Total Risk-Based Capital19.45%18.74%18.67%19.16%19.56%19.42%19.16%19.31%+15 bps
Equity / Assets14.87%12.24%13.61%13.95%14.87%14.46%14.66%14.98%+103 bps
Liquidity & Funding
Loans / Deposits29.80%40.30%51.19%36.13%36.55%47.64%44.38%38.01%+188 bps
Liquid Assets / Assets20.74%14.23%5.24%13.77%10.29%5.05%8.45%16.45%+268 bps
CRE / Total Capitaln/an/an/an/a9.50%8.76%8.25%n/an/a